How to Improve CIBIL Score Fast in India – 2025 Guide

Agar aap loan ya credit card lena chahte hain, toh CIBIL score ka high hona bahut important hai. CIBIL score 300 se 900 ke beech hota hai, aur 750+ score ko excellent mana jata hai. Aaiye jaante hain kaise aap apna CIBIL score jaldi improve kar sakte hain.

1. Credit Card Bill Time Par Pay Karein

Apne credit card ka bill due date se pehle clear karein. Late payment se CIBIL score girta hai aur extra interest lagta hai.

2. Credit Utilization Low Rakhein

Aap apne credit limit ka maximum 30% hi use karein. High utilization ka matlab hai ki aap credit par zyada dependent hain, jo score ke liye negative signal hota hai.

3. Old Credit Accounts Active Rakhein

Purane credit cards ko band na karein. Old accounts ka credit history strong hota hai, jo CIBIL score improve karta hai.

4. Multiple Loan Enquiries Avoid Karein

Ek saath bahut saare loan ya credit card applications na karein. Har enquiry CIBIL report me hard enquiry ke roop me add hoti hai jo score kam karti hai.

5. EMI Time Par Pay Karein

Loan ki EMI delay na karein. Timely EMI payment se positive repayment history banti hai jo score ko boost karti hai.

6. Credit Report Regularly Check Karein

Har 6 mahine me apna CIBIL report check karein. Agar koi galat entry ho toh CIBIL me dispute raise karein.

Conclusion

CIBIL score improve karna ek gradual process hai. Agar aap upar diye gaye steps follow karte hain toh 3-6 mahine me noticeable improvement dekh sakte hain. High score ka matlab hai easy loan approval, low interest rates, aur better credit offers.